This Site is Purposed to Prompt with kindness the Private Sector Side of the Federal Reserve Bank To Be Fair in the Use of Monetary Policy Powers.  The FED is Unfair in its Program for Those Without Financial Assets who also have Little Support from Strong Emotional and Ethical Assets, Attributes and Positive Expectations. 

This is Distinctly Different from Those Who Own Financial Assets. 

The Email March on the FED is detailed by the content on this website.  You join the Email March by joining this site. You inform yourself by understanding and contacting us about the email letters and this site. This service is for sale to effective citizens and we pay you to comment and improve on the letters and the content as the site moves in kindness to prompt the private sector FED to influence the at risk citizens with effective fair action. The 1977 Community Reinvestment Act is not first things first action. The emails here can be downloaded for your needs. They are also the numbered tabs on the left index

The Email March on the Influencers of Kindness messaging to all age 0-6 children is detailed by pages A-F located at the bottom of the left column. You join the Email March to create this kindness influence. See the membership page to get started.  You inform yourself by understanding and contacting us about the Kindness influence. This service is for sale to effective citizens and we pay you to comment and improve on the letters and the content as the site moves with kindness to prompt the private sector influencers. Six letters to encourage influencers to be sent by effective citizens are presented.  They are encouraging the use of the truth reflected in the right column.  See the membership page to get started.

PVofPE-Prek Present Value-Positive Expectations-Pre Kindergarten 

#14 From: <>
Sent: Friday, 8-10-2020 1:59 pm

To: 'Ombudsman' <>

Subject: Present Value-Positive Expectations-Pre Kindergarten 

For the sake of discussion with Mom, what is First Things First?

For the sake of discussion with the investor class; Who would not make this investment?

We have sent this to reach the Chairman of the Federal Reserve Bank and the FOMC; and the Chairman of the Community Advisory Committee charged with providing feedback regarding the Community Reinvestment Act.

Mother and family must be convinced that her child has a better or best future with early writing, reading, math and positive expectation skills and a present value of positive expectation for having those skills from early (age 0-6) learning.  This must be valued in the private sector. Some mothers and families are in this system to create value way into the future and other are not.  The present value concepts bring the difference in expectation of the future into the present, so it clearly becomes evident, measurable and bankable much like growing an apple tree from a sampling.  Just a regular economic in a free society to choose the work of growth, or not.  

Bankers need to be convinced that the present value assigned to early learning is reasonable, so it is bankable.  Who is going to pay for it?  This market value assumption ends up creating real money (achieved outcomes over irreversible time) in the private sector economics.  This pricing of PVofPE-Prek and its promotion as social gap understanding gives rise to the market value of each child in the system of early childhood development.  Neural synaptic networks created within each brain designed by our maker are to be filled with knowledge connections; and will close and disappear without connecting the networks to the knowledge after the age of 5-7.  The closings without connection make it harder to learn language, math and positive expectations later, the gap is created, and recovery is most difficult. 

Investors (parents) will for the sake of economics and social development do first things first on the basis of; historically this is how we do it; or, on the basis of the science; or, OMG this is important to success of everyone in anyway it is defined.  This is where the FED steps in if mom and parents cannot do the delivery.  Because in their wisdom they have stepped into almost every requirement of monetary policy financial success facing constraint and bottlenecks.  Overall, they have been far more generous with citizens who already have money and unfairly gifting to those who need to accumulate the soft assets before the hard cash-based assets. 

This is a subject better covered by Professor Heckman from the University of Chicago regarding Early Education and Early Child Development.  The real NewOldMoney subject addressed by Professor Heckman springs into this websites positive expectation story.  Click Here   This with 15 other dots that need to be connected so equality among individuals can be expected at age 6 within our great nation of equal opportunity.  NewOldMoney as seen in the 21st century light by the banker and investor springs from the concept that worst, bad, good, better and best can be valued at market at age 6 based on what we know today about future income expectations and how well the age 0-6 best outcomes have been achieved.  Parenting continues whether this is known for each child or not.  So, you must say the PVofPE-Prek really exists whether it is valued, known and used in child development or not.  

I am leaving the direction above with the statement that for practical purposes until we know better there is little risk to being wrong if we just work with published data put into ranges that allow us to create assumptions of minimums: Best has a market value of $750,000; Better is $600,000; Good is 450,000; Bad is $150,000; and Worst is $0.  The scope of these values applies to the mass of every-day We the People.  The high end excludes the individual with more than a 16-year accumulation of presently available education.

Excluded are those who are burdened or succumb to the risk, having smaller expected earnings levels and little present value (for expected 45 years of future work) as evidenced by that demonstrated recorded and reported.  This is considered below the floor of 1,750,000 lifetime earnings and risks exceeding a compounded 10%.

The floor is 1,750,000 lifetime earnings through age 67 and given the risk of living at the floor no present value at age-22 or at age-6 can be attached to this level of earnings.    Not only are lifetime earnings lower but the risk is higher.  Expectations are overwhelmed by risk day to day and year to year.  As a result, the present value is nothing anyone would invest in for a ROI at age 22.  Without a change in prospects due to luck or something unusual the present value of the next 45-50 years is $0 or lower.

Excluded are those on such a fast track who have credentials at age-22 that give rise to extremely low risk and “unlimited” opportunity to earn at age-22.  Such that they as individuals go on to school after the 16th year and exceed the expectations that a young adult has from 16 years of education and learning for a trade.  This is considered above the ceiling.  We use the age-22 ceiling and valuation of a future limited to that which can be expected in a normal course of life, we have stopped increasing the expectation at $3,500,000.  Those with expectations over that are special and excluded as far as our age-6 market value assumption calculations go. 

This is a picture from a 44-page AICPA Valuation Booklet of Small Business Consulting published 60 years ago now replaced by thousands of pages.   

My imprecise calculations are included, Click Here.   The FED will need to imagine and create from scratch the range of values for good, better and best.  We used Individual earning streams demonstrated and reported in the works of Michael Cox and Richard Alm published in 2012 after complied by the George W. Bush Foundation.  See chapter 2 pages 10-14 of The 4% Solution Unleashing the Economic Growth America Needs. 

Tangelo Park Results Page reveals that According to Fastweb, LLC:  Link  

• High school graduates earn $430k more over their lifetime than high school dropouts
• An Associate’s degree is worth $390k more than a high school diploma
• A Bachelor’s degree is worth $1.2 million more than a high school diploma
• A Doctorate (Ph.D.) is worth $1.7 million more than a Bachelor’s degree
• A Professional (law or medical) is worth $2.9 million more than a Bachelor’s degree

This reveals what we all know. (In 000’s of dollars) on the scale of high school.

Credential    Lowest   High School   Assoc Degree    Bachelors   Doctorate   Professional

 less than HS                  -430                0

Associate                                                  0                      +390

Bachelors                                                 0                                              +1,200

Doctorate                                                 0                                                             +2,900

Professional                                             0                                                                                  +4,100           

We must cover being imprecise with a story.  Imprecise is  less and less as delivery of learning gets earlier and earliest. The private sector understands the value of credentials, plus emotional intelligence.  The community needs every family and business and non-business organization, including the faith base and the schools to reprioritization along the lines of there is a Present Value of Positive Expectations from Pre-k.  In fact, the time to project the value is a 6-years old, before public education starts.  Mom’s influence of the subsequent public education systemic delivery is more and to the better when her child has better and best early education skills:

“OMG- I cannot be a part of leaving $750,000 of possible value behind when it is this simple”

But picture this 

An interesting powerful story that deals with this value is The Street Lawyer by John Grisham, on pages 406 and 425 of the paperback. At least read the end of the story from page 370 because it is much more than a present value calculation when public perception is added, and fingers start pointing at what was done and not done by the strongest for the weakest. It ends with a Good Samaritan reflection, but our concentration is on the value of an at risk pre-k child before and after alleged wrongdoing and cascading positioning. We will use bullet points to summarize the story.

·         Very prominent business acts and under values the worth of a mom and 4 children most at risk.

·         A law is broken and other events cascade resulting in their death.

·         The business wanted to value the lives of the preschoolers at $50,000 because the children were going nowhere based on mom’s development. Highly likely, the children would remain in poverty.

·         The courts in valuing wrongful deaths have said the positive expectation cannot be considered outside of reasonable evidence and tracking toward estimates of realized economic expectation.

·         However, the plaintiff placed a value on each child at $1,000,000 because that is the minimum value the business would ask for, if it were their partner’s or employee’s children.

·         So, the courts will project value based on probable expectations evidenced by …; to include readiness and very informal comparison to expectations based on peer group.

·         The business knew they would not win the case in the eyes of the public, or a jury and was going to do everything they could to settle. The plaintiff wanted a public trial to increase the settlement value.

·         The case was already being tried in the newspaper and the good name of the business was depreciating as the claim gave rise to negative reports of wrongdoing.

·         The business had no defense for not doing what they could have done. They ignored the law and damaged the weak family. The extended family could not be found but it made no difference.

·         The marketed image of the business, its perception in the public was being damaged anew each day and the powerful owners of the company could do nothing about it. The leverage to make it stop existed in the grassroots not the boardroom.

·         The plaintiff leveraged the grassroots perspective through the press of public opinion.  The plaintiff leveraged the perspective of fair and respectful public policy each chance they had.

·         The story case settled at the $1,000,000 per child level, made reasonable with time payments that ignore interest and inflation but fully considered risk. It triggered the wise old leader of the business to emotionally think about first things first right the first time and act to fill in the gaps they could address with reestablished generosity.

The point we want to make with the story is that the $750,000 PVofPE-Prek is so very reasonable from the top down. Just the emotional and ethical thinking of what can be simply done first things first right the first time for all age 0-6 children should be the thought of the decade, the turning and the century.  Read the book and see the PVofPE-Prek in everyone's life.

Position for this expectation

$750,000 of present value for each and every at risk child (last count 2,000,000 children per year)  But full counting of the value should be considering over 4,000,000 children per year having a present value of 0-$750,000 each.  This will flood private sector early education and home schooling with the payback to act economically without interference from the failing public sector education industry.

Cost or Market Value

USA VALUES uses market value in the justifications.

The market in 2020 can be referenced for evidence that a child’s brain at age 6 fully ready and supported to read, compute, and understand positive expectations is worth the above (cost $30,000, market value $750,000). 

Look to the market valuation of artificial intelligence companies, say Nvidia as an example where its sales from cloud computing of parallel processing for AI drove a market valuation of 150 times sales (not costs or profits).  This was found in the book Life After Google by George Gilder page 69 published in 2018.

So three years or 30 months of Montessori School cost  $30,000 or routine preschool for 2 years $24,000 with a mentor of mother and child for two years at $10,000 totaling $34,000 of cost will get the FED and the parent in the best case a market value of $750,000. 

In another case leaving the governments and even the private sector to do what it does without change and only add $10,000 of monetary policy money to the outcome equation for the mentoring of mother and child will also get the FED clear ownership of $750,000 market value for each child with best readiness.  The $750,000 when mashed together with costs represents a 20 to 75 times payback. 

This kind of payback approaches a New High-Tech, or Artificial Intelligence, or Cocaine Business market valuation rate.  There is no question there is high payback if...  But there is no startup cash flow money (cost) for the at risk child at age 0-6 unless the private sector makes it possible with a traditional unconditional gift to mother and child.  The gift has receipt money value to the FED.  The gift also has local crypto value to mother and child for the impact it will have on the community.  Nothing happens without anticipating the market value of Early Reading Skills Delivered within the private sector.  This is already done by parents who see the future at age 22, understand First Things First, and know that best can be defined and purchased.         

The FED could have that kind of appreciation to market value on its books creating receipted money reserves owned by the private sector outside of the government.  It gifts some level of its reserves to the US Treasury to start paying down the deficits when the deficits start impacting inflation on a national and worldwide basis.  These receipted reserves ensure that the dollar will remain the world currency long into the future because of confidence. 


Early Reading Skills Delivered

651-735-3018, C 612-968-1579,

Copyright © 2020 By Thomas D. Wolfgram


Footing for this effort

See The Biggest Lie in the History of Christianity, written by Mathew Kelly in 2018 where he shares and defines a Holy Moment on earth that can be delivered by everyone on earth.  The ASK above is a 100% top to bottom change to the real life of mom and age 0-6 child.  Selflessness and grace will be filled with humility, cooperation, discipline and other fruit of the spirit (page 58) if the reading of the book and adoption of its simplicity becomes real.


I pray to God that the email marches sent to the Federal Reserve Bank (FED) are viewed as a private individual’s good deed representing his or hers’ “Holy Moment”.  A free speech acting with the belief that only our Christian God has the power to generate the intended outcome of equal opportunity based on the individual’s desired intention to influence first things first growth education, economics, emotions and ethic.  Our private sector can still deliver Holy Moments, and delivery is the most basic happiness an individual can have because selflessness generates self-esteem and confidence. Sending of this email letter will astound the nation but will also increase the fruit of selfless attention to those around us (page 68).  Page 69 ties the whole concept to Mother Teresa and our secular mess.  Page 79 assures us that this differential will change everything about the future of the nation.


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USA Positive Expectations are detailed though-out this site in the right columns.  

Values, assets, attributes, messages and stories all run together creating civility in a spectrum of absolutes on the right and less absolute (relative) ranging in degree to the left. 

What messages supported by stories do we want to send our age 0-6 children?

I am suggesting, just to start the concept, that grace and curtesy before Justice be a default and at least these messages be sent. 

If these KINDNESS MESSAGES are sent the message of Justice will logically follow with appropriate understanding and  foundation.     

Be Helping

Be Sharing

Be Playing

Be Listening

Be Smiling

Say I'm Sorry

Say Please

Be Thinking

Be Right and Truthful

Be Fair

Be Happy

Be Smart

Help Yourself

Be Growing

Say Excuse Me

Be Excited

Take Turns

Be Humble

Say Thank you

Be Working

Be Polite

Age appropriate civility is important; Equal starts to kindergarten with ready to read and count skill sets are important.  

Assets, Attributes, Positive Expectations 





































More From USA VALUES, Meanings are brought out within the email letters to the FED.  See # posts at the left. 

Start with End in Mind

First-Things-First (FTF)


Present Value of Positive Expectation from Pre-k (PVofPE-Prek)


Early Reading Skills Delivered for Ringing Advantage (High-Quality ERSD-RA)

First Things First Right the First Time (FTFRTFT)

10 Values before 3rd Grade











4 More Values After 3rd Grade





For Those who wish for an Old Testament Biblical Basis 

Reverence for the Lord as the One and Only

Reverence for the Family

Reverence for Life

Reverence for Private Property

Personal Responsibility

Prohibition of Envy

Do not Lie

Do not Steal